If you work with horses, do you know how you are covered?

Could you pay out of pocket $50,000 for a horse that was injured or died in your care? How about the legal fees that come with it?

Do you board horses? Give lessons? Offer a training program? Offer breeding or foaling? If you offer any of these services to someone you need Care, Custody and Control insurance. Care, Custody and Control essentially covers you in the event the third party (boarder, training horse etc.) becomes injured, stolen or dies while in your care. The insurance would pay the amount the horse is valued at to the third party on behalf of you. Could you afford to pay a third party $10,000 to $100,000 for their horse if it should die while in your care? The insurance typically pays for damages to horses and defense costs for suits brought against you. Premiums are usually based upon the average number of horses in your care. Care, Custody and Control also covers you if a horse is injured during incidental transit (hauling) of horses. “Incidental transit” is usually defined as 6 trips of 150 miles or less per year. The mileage restriction can usually be eliminated for an additional premium. Care, Custody and Control is highly recommended for Trainers as there are multiple ways a horse can get injured during the course of a  training program and while showing. In the event of a loss or tragedy you shouldn't be worrying about how you're going to pay out of pocket for everything, get Care, Custody and Control insurance and get back to doing what you do best, offering a great service to happy equines.

Talk with Bonnie about your Equine Operations! 740-966-3180

Custom Insurance for Horse Owners

We don't just insure the stable, we insure a way of life!

Custom Insurance for Horse Owners

High winds whipped up by a late summer thunderstorm shear off a portion of your barn roof. The driving rain pours into the barn, causing extensive damage and shorting out the electrical system. Thankfully, your horses are unharmed, but do you have enough insurance to cover both the repairs and the cost of stabling the animals elsewhere while repairs are made?

Many owners of horses or businesses involving horses assume that standard homeowners insurance will adequately cover them in such situation. A typical homeowners coverage will not provide for your horses. Your needs as a horse owner are unique. At the MVP Agency we work with you to make sure you have appropriate coverage for your situation, at the most reasonable price.


No matter if you own a horse for pleasure, or a number of horses for competition; run an equine operation such as those for breeding, boarding or training horses; or use your horses on the ranch, farm or just in the backyard, we can provide a broad range of equine coverage options and endorsements to keep you protected.

• Stable liability - coverage for stable owners' operations
• Care, Custody, and Control - covers livestock which is in your care, custody, and control
• Equine Professional Services - liability for trainers, property damage for non-owned horses
• Equine Property Endorsements- tack, equipment, spoilage of animal health products, signage, fences, corrals, and pens

Teen Driver Safety Week

Some stuff to consider during National Teen Driver Safety Week!

MAJOR RISK FACTORS

Alcohol is involved in about 16 percent of fatal crashes involving 16- and 17-year-old-drivers.*
What causes the other 84 percent?

INEXPERIENCE

• About 900,000 U.S. teens report they were drivers in at least one crash within a 12-month period. That’s the wrong kind of experience.
• The right kind of experience involves a lot of supervised driving practice and then avoiding high-risk conditions for at least the first six months of driving alone.
• About two-thirds of fatal teen crashes involve driver error — making mistakes due to inexperience and distractions.

DISTRACTIONS

• Two or more peer passengers more than triples the risk of a fatal crash with a teen at the wheel.
• A driver who talks on a cell phone is four times more likely to be involved in a serious crash, regardless of whether it’s hands-free.
• Talking or texting on a cell phone while driving is dangerous for teen drivers because it takes their focus off the road.

SPEED

• Speeding is known to increase the likelihood of injury or death if a crash occurs. Teen driver crash risk increases incrementally with each mile per hour a driver goes over the speed limit.
• Speed is involved in approximately 38 percent of fatal crashes involving male drivers ages 15 to 20.
• Speed limits on the road were set for perfect driving conditions. Teen drivers need to slow down whenever it isn’t a clear, dry day with no other traffic on the road.

FATIGUE

• The effects of driving while tired are similar to the effects of drinking and driving.
• Teens are often tired from studying, extracurricular activities and early school start times.
• Three-fourths of teens report having seen other teens driving noticeably tired.
• Drivers younger than age 25 cause the majority of drowsy driving-related crashes.

THE FACTORS ABOVE CAUSE CRASHES. BUT WHAT KILLS?
NOT WEARING SEAT BELTS

• Two-thirds of teens killed in crashes were not wearing seat belts.
• Not buckling up is known to increase the likelihood of injury or death if a crash occurs.

teendriversource.org
The Children's Hospital of Philadelphia | Research Institute

Don't get left in the cold!

It's time to check your furnace before winter and avoid costly repairs in the future! 

Homeowners Equipment Breakdown Coverage

Protection for only pennies a day

Most homeowners often assume that the equipment in their homes that provides heating, cooling, and electricity are completely covered for breakage and repair under service warranties and service contracts. Unfortunately, in many cases these warranties and contracts do not provide sufficient coverage or may even be expired.
Pekin Insurance offers a Homeowners Equipment Breakdown Coverage endorsement which provides up to $50,000 of coverage for the accidental breakdown of permanently attached equipment. The annual premium for this coverage is a mere $20, and the coverage is subject to a $500 deductible per loss.

Service contracts and warranties are not enough

Extended service contracts and home warranties can leave you seriously lacking in coverages should a breakdown occur. Insufficient protection could easily cost thousands of dollars in repairs or replacement costs. Home warranties and extended service contracts are only intended for everyday maintenance. Equipment Breakdown Coverage from Pekin Insurance will protect you from larger and more costly losses.

Important permanently attached equipment in your home covered by a Pekin Insurance Equipment Breakdown endorsement:

• Central air conditioning
• Boilers and water heaters
• Furnaces, heat pumps, and sump pumps
• Permanently installed back-up generators
• Chair lifts and elevators
• Electric power panels
• Pool equipment
• Central vacuums
• Garage door openers
• Home security systems

Recently paid Equipment Breakdown claims by Pekin Insurance:

• The evaporator coil on an air conditioning unit cracked on the back side causing the system to lose Freon. The coil had to be replaced.
• The impellers and check valve in a well pump failed causing the well to lose pressure.
• An emergency generator failed when the plugs blew out of the engine allowing all the antifreeze to leak out and locking up the motor. The motor had to be replaced. A supplemental payment was made to move a fence to make this repair.
• A water heater liner cracked requiring replacement of the unit.

Going green for you and the environment

If you have need for our Equipment Breakdown coverage, we will pay the additional cost to replace the “covered” equipment with equipment that is better for the environment, safer, or more efficient than the equipment being replaced.